Advertising agency
insurance
One application, multiple quotes.
All in one place.
Essential Protection
From
$25.83
/month*
Can provide coverage if a client claims there was a mistake in the professional services you provided.
What’s included:
Errors & Omissions / Professional Liability
Coverage limits: $100K to $3M†
Get multiple quotes in less than 10 mins
Essential Protection
From
$25.83
/month*
Can provide coverage if a client claims there was a mistake in the professional services you provided.
What’s included:
General Liability
Coverage limits: $100K to $3M†
Get multiple quotes in less than 10 mins
Would you rather pick and choose your coverage? Explore all options
Over 1 million customers worldwide.
Buy instantly online.
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Why Does an Advertising Agency Need Insurance?
From bold concepts to final deliverables, your work helps brands stand out and sell more. But agency life moves fast, and when the unexpected happens — like an accident on set or a mistake that disrupts your workflow — advertising agency insurance ensures one mishap doesn’t derail your next project.
Below are some of the most common types of insurance policies that advertising agencies carry to stay protected.
What Type of Advertising Agency Insurance Do I Need?
From
$25.83
/month*
General Liability
A foundational insurance coverage to help handle costs from third-party accidents, property damage, and bodily injury.
From
$20.75
/month*
Business Owner’s Policy (BOP)
General liability, property insurance, and more all in one convenient package.
From
$33.75
/month*
Workers’ Comp
Coverage to help take care of employees who get sick or injured on the job. Most states require this coverage for small businesses with full- or part-time employees. It also can benefit business owners who don’t have employees.
From
$38.91
/month*
Business insurance —
a quick explainer
Learn more about policies for small businesses, what they cover, why you might need them, and how we can help – all in just 60 seconds.
Business insurance is often made up of different types of policies to cover different things, similar to how your health insurance can be made up of medical dental and vision coverage. Here are some of the ones small business owners need. General liability is kind of the Swiss army knife of insurance. It can do a lot, like help handle costs from third party accidents, property damage, bodily injury, and more. Nobody’s perfect, right? That’s what professional liability is for. It could come in handy in the event of honest mistakes or claims of negligence. Workers’ comp can protect your business and help take care of employees who get sick or injured on the job. Small businesses are big targets for cyber criminals. Cyber Insurance can help cover costs associated with stolen customer data, cyber attacks, breaches, and fraud. BOP or a business owners policy combines different types of coverages like general liability and commercial property insurance. Putting them together for you is where we come in. You tell us a bit about your business online or on the phone, and we customize the coverage options for what you do and what you need. It’s your business, it should be your insurance as well. That’s why we’re here.
What Does Advertising Agency Insurance Cover?
Agency work touches a lot of moving parts: clients, vendors, locations, and deliverables. And creative projects don’t always stick to the script. Here’s how insurance for advertising agencies can help protect you from these common risks:
During a studio shoot, a light stand tips over and damages the client’s computer. A general liability policy could help cover the cost of repair or replacement and protect you from other third-party damage or injury claims.
A client says a missed launch window sank the campaign and sues your agency to recoup costs. A professional liability policy could help cover the cost of resolving the claim and protect you against related legal expenses.
A power surge damages your editing suite and servers, forcing you to pause work while equipment is repaired or replaced. A Business Owner’s Policy (BOP) bundles general liability, commercial property protection, and business interruption coverage to help pay for damages, repairs, and lost income so you can get back to work quickly.
Many advertising agencies choose a BOP because it offers more protection than a stand-alone general liability policy without costing much more — a great option if you’re established or planning to grow.
An employee trips over cable runs during a shoot and fractures their ankle. Workers’ compensation insurance can help cover their medical bills and provide wage replacement as they recover.
Workers’ comp is often legally required and can protect your business from costly claims, as well as taking care of your crew if they get sick or injured on the job. Even if you operate solo, we recommend workers’ comp insurance, since many health insurance policies won’t cover work-related injuries.
What Does Advertising Agency Insurance Cost
Try our insurance calculator.
Get a quick estimate in just 3 steps.
Answers to More Advertising Agency Insurance Coverage Questions
Advertising agency insurance is a collection of policies that advertising agencies typically purchase.
The cost for your insurance coverage is determined by:
- The type of work you do
- Where your business is located
- Your annual revenue
- The types of policies and limits you choose
Other factors can include your claims history and how long you’ve been in business.
Most states require you to carry workers’ compensation insurance if you have employees. There also may be licensing requirements for certain liability coverages. We recommend checking with your state and local governments for advertising agency insurance requirements.
If you’re thinking of buying advertising agency insurance, we recommend having the following information on hand when using our advertising agency insurance calculator:
- The state where you do business
- Your type of business or trade
- Your annual revenue estimates
This information can make it easier to get a quote from one of our insurers.
It can. While standard coverage varies, media liability is often added to a comprehensive professional liability package for agencies. This specific coverage protects you against copyright claims, such as accidentally using a font, image, or music track without the proper license.
Professional liability insurance, also known as errors & omissions, covers the actual services you provide, protecting you against claims related to media liability, copyright disputes, or failing to meet professional standards. General liability insurance covers third-party property damage and bodily injury, such as a client tripping in your studio or accidentally damaging a client’s property during a meeting.
Landing a new contract often requires immediate proof of coverage. Simply Business offers instant COIs that you can download directly from your online account 24/7. This allows you to provide a digital certificate to your new client immediately, helping you finalize contracts and start creative work without waiting days for paperwork.
Why Small Businesses Choose Simply Business
Small business insurance is what we do. Whether it’s covering you for accidents and errors, meeting workers’ comp requirements, or financially protecting your business from the unexpected, we can help find the coverage you need for your business.
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With Simply Business I know I can look at different carriers, but also see all my stuff in the same place… a lot of [insurance] providers don’t offer a variety of coverage, all in one place.
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*The displayed price for each product is a monthly estimate calculated from the 10th percentile of relevant policies sold by Simply Business (e.g., General Liability data is used for General Liability estimates). This estimate uses data from relevant policy sales between July–December 2025. Final price and payment terms, which may include an initial down payment, are subject to change based on your state, selected insurance provider, and specific business details.
† Limits may vary by state and nature of your business.
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